In recent years, hospital indemnity insurance has made strides. This type of insurance has been around for awhile. However, not until the rapidly increasing deductibles, coinsurance, and copays with health insurance plans under the Affordable Care Act, has hospital indemnity insurance been in the spotlight. In light of increasingly higher out of pocket expenses, people are turning to hospital indemnity insurance for cost assistance and peace of mind. Is hospital indemnity insurance worth the money? In this article, we describe hospital indemnity insurance and if it is worth the money or not.

If you are a stay-at-home parent, you know your household can not function without you. A large misconception for stay-at-home parents is that, because they essentially earn $0, they have no worth. Nothing can be further from the truth. In fact, many reputable industry sources illustrate that a stay-at-home parent “earns” anywhere from $100,000 to $150,000 annually from all of the things they do to keep the household functioning. Salary.com for instance state that a stay-at-home mom (ok, Dads, you are worth this, too.) is worth over $140,000 in 2016. No different than an official earning parent, you need to protect your worth in case of the unexpected. Yes, stay-at-home parents need insurance protection, too. [Read more…]

Some say yes, others say no. We at My Family Life Insurance say yes; however, as we always have said, the decision depends on your unique situation. Is accident insurance worth the money for you? Read on to find out more. In today’s health care and insurance environment, chances are, it is. [Read more…]